Arkansas PDL Law

Here is the link to your state's payday loan laws. It states that criminal action can be taken if it is due to closed account or stop payment. But I believe that would only apply to LICENSED payday loan companies, not the ones who operate without a license in majority of states. I know in my state if an unlicensed pdl company showed up in court, the person representing the company would be arrested (operating without a license) Got that from the DIF. So definately work out an arrangement with the storefront since they are licensed.

Sorry, here is the link to Arkansas' PDL Laws:

http://www.paydayloaninfo.org/state_detail.cfm?id=AR

how do i know if the internet pdl's are liscensed? Thanks for the info.

The link I provided will provide a link that to your state's licensing database, or you can call, which the number to contact can be found by following the link. I am going to tell you this, they are more than likely NOT licensed to loan in your state. And they go by so many different DBA's it isn't even funny.

this is really nerve wracking. u can take care of the store front, but the others have really taxed me

Don't let it rack your nerves. Those internet payday loan companies are not licensed, yes, they will give you illegal threats of fraud charges and arrest, just laugh at them, tell them they should take their act to Last Comic Standing because they are hilarious. You are going to be fine, we have all been there and have had the same feeling as you do right now.

thanks. I've already defaulted on all but the store front and i would really like to keep that one in good standing. I've contacted T&C to consolidate the others but I'm scared the internet pdls will refuse. i've tried to make arrangments with two of the companies quickest cash advance and paycheck today, but they refuse to give me an mailing address to mail money order payment to them. they say they will only accept credit card of debit card which sucks since i don't have either of them. i'll be stupid to give them my new checking account info been there and done that one. never again!
once again thanks for all the imput and making me feel better...i'll just be glad when this is over with and i can move on without worrying about being in debt.